First Bank & Trust Company


We will show you the shortest path to the Perfect Home Loan!

  Home    Loan Center    Products    About Us    FAQ    Resources  
First Bank and Trust Co. offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Long term fixed rate home loans
Adjustable rate mortgage loans
Agricultural real estate loans

Long term fixed rate home loans

 We offer a variety of long term fixed rate home loans, including conventional, FHA, VA and Rural Development. 


Adjustable rate mortgage loans

 An adjustable rate mortgage loan may be the right solution for your needs.  The primary advantage of this type product is significantly lower closing costs.  An ARM may be the best choice if your loan is a smaller amount (under $50,000) or if you don't plan to keep the loan outstanding for more than 5 to 7 years.


Agricultural real estate loans

We offer financing for agricultural land purchases.  Such loans can be for a fixed rate for up to five years and then convert to an adjustable rate following that initial term.  Please contact any of our friendly loan officers for further information.




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.